969 (0118R-0118)

Telephone Number:Toll Free1-888-4WESCOM(1-888-493-7266)

Web Site:www.wescom.org

Email:mail@wescom.org

Your savings federally insured to at least $250,000 and backedby the full faith and credit of the United States Government. National Credit Union Administration, a U.S. GovernmentAgency.

Scheduleof Fees and ChargesEffective January 1, 2018

1 Two fees waived for Platinum Signature Members and one fee waived for SignatureMembers and on an annual basis. Some restrictions may apply.

2 Fees waived for Platinum Signature Members. Two fees are waived for Signature Members on a monthly basis.

3 Waived for Youth Accounts, new accounts for the first 90 days, Platinum SignatureMembers, and 12 fee waivers for Signature Members on an annual basis.

4 The escheat fee will be assessed at the time of delivery, whether provided electronicallyor by mail.

5 Anything above $5.00 will be assessed a 5% fee.6 Unlimited fees waived for Platinum Signature Members. Five fees are waived forSignature Members on an annual basis.

7 Fees waived for Platinum Signature Members. Two fees are waived for SignatureMembers on an annual basis.

8 A $5.00 fee will be assessed for cashing an On-Us check drawn on a non-SignatureMember account. The fee will be assessed to the non-member who cashes the check.

9 Unlimited fees waived for Platinum Signature Members, and 12 fees are waived forSignature Members on an annual basis.

10 A $2.00 fee will be assessed for printing and mailing a paper statement (monthly andquarterly). Platinum Signature Members, Youth, primary account holders age 60 andolder, and new accounts for the first 90 days will not be assessed the fee.

11 Additional fees, as assessed by the paying institution, may also apply.12 Available at no charge through eBranch.13 Fees waived for Platinum Signature Members and one fee is waived for SignatureMembers on an annual basis.

14 Waived for members who maintain an end-of-month aggregate minimum balance of$250, Youth Accounts, and new accounts for the first 90 days. This fee is also waivedif:

• You achieve Platinum or Signature Membership on your account.• You are 18 through 25 years of age with eStatements and are an active eBranch/mobileuser (logged on to eBranch/mobile within the calendar month).

• You have a current loan/line of credit/credit card account with a balance or have hadactivity within the last ninety (90) days.

• You have an active Wescom Financial Services account.• You are a minor (under 19 years of age).• You currently have an active loan application in process (approved loans are valid forthirty (30) days from application date).

• You are a qualified UCLA student with eStatements and are an active eBranch/mobileuser (logged on to eBranch/mobile within the calendar month).

15 Fee is waived if account balance is greater than $250, or if all share account balancesare greater than $3,000.

16 This fee is waived for: Platinum Signature Members and Signature Members; NewChecking Accounts for the first 90 days; members age 18 through 25 who are activeeBranch/mobile users (logged on to eBranch/mobile within the calendar month), andwho have opted out of paper statements; Youth Accounts (members through age 17)select GenEdge accounts open before 12/31/2015; primary account holders age 60and older; qualified UCLA students (with eStatements and are an activeeBranch/mobile user [logged on to eBranch/mobile within the calendar month]); fiduciary accounts, and Club and Organization Accounts.

17 Fee is waived for one box for Platinum Signature Members, Signature Members andmembers age 60 or older on an annual basis.

18 Fees waived for Platinum Signature Members, Signature Members, and New Members.19 Payment of these items subject to Regulation D and item(s) may not be paid.20 If the minimum monthly payment is more than 15 days late, a late charge of 5% ofthe payment due, but not less than $5.00 will be assessed.

21 If the minimum monthly payment is not received within 15 days after the PaymentDue Date, a late charge of $15.00 will be assessed.

22 If the minimum monthly payment is more than 15 days late, a late charge of 6% ofthe payment due, but not less than $10.00 will be assessed.

23 If the minimum monthly payment is more than 15 days late, a late charge of 5% ofthe payment due, but not less than $10.00, will be assessed.

24 Fee waived for Platinum Signature Members based on current relationship when fee isdue. Please refer to your Home Equity Line of Credit Loan Disclosure for details.

25 Two fees waived for Platinum Signature Members and one fee waived for SignatureMembers and qualified UCLA students on an annual basis. Some restrictions may apply.

26 A total of two courtesy and/or NSF fees waived for Platinum Signature Members andqualified UCLA students on an annual basis. One fee waived for Signature Members onan annual basis. Some restrictions may apply.

Schedule of Fees and Charges EFFECTIVE January 1, 2018

Regular Shares (Regular Savings & Special Purpose)

Reopening Closed Account $15.00

Below Minimum Balance (end-of-month aggregate balance less than $250) $5.0014

Charge per Withdrawal in Excess of Four, per calendar quarter $3.0015

Checking AccountsMonthly Service Charges:Wescom Checking, per month $8.0016

Check Reorder (Wescom Design) $12.0017

Copy of Debit Card Sales Draft Not in Dispute, per sales draft $5.00

Photocopy of Paid Check(s), per photocopy $3.0012

Stop Payment, per check or range stop $25.001

Temporary Checks (per sheet) $3.0018

Money Market AccountsCheck Processing Fee, checks in excess of six per calendar month, per check $20.0019

Charge per Withdrawal in Excess of Four, per calendar quarter $3.0015

Photocopy of Paid Checks, per photocopy $3.0012

Stop Payment, per check or range stop $25.001

Temporary Checks (per sheet) $3.0018

Credit Card AccountsCard Replacement (Credit Card) $5.001

Cash Advance Fee 2%,$2min $50 max

Copy of Credit Card Sales Draft Not in Dispute, per sales draft $5.00

Credit Card Annual Fee No Charge

Credit Card Statement Copy, per copy $5.0012

Late Payment Fee $15.0021

Returned Item (Credit Card Check), per item (max. 4 per day) $25.00

Stop Payment on Credit Card Checks, per check or range stop $25.00

Below is information regarding the schedule of Wescom Credit Union fees and charges. Please review and retain for your records. If you have any questions you may contact a Wescom Representative at 1-888-4WESCOM (1-888-493-7266).

Consumer Loans

Closed-end Consumer Loans Late Fee 5% of payment due20

Personal Lines of Credit Late Fee $15.0021

Share Secured Lines of Credit Late Fee $15.0021

Real Estate Loans – First Mortgages and Home Equity LoansHome Equity Lines of Credit Late Fee 6% of payment (Principal and Interest)22

Real Estate Loans Late Fee 5% of payment (Principal and Interest)23

Home Equity Line of Credit Annual Fee $7524

General Fees

Account Research/Reconciliation, per hour $30.00

Card Replacement (Debit Card and ATM Card) $5.001

Cashier’s Check, per check $5.002

Coin Counting Machine Fee 5% of the amount of coins redeemed3

Copy of Deposited Item $5.00

Courtesy Pay, per item (max. 4 per day) $30.0026

Declaration of Loss & Claim for Reimbursement Cashier’s Check

(lost, stolen or destroyed ONLY), per check or range stop $25.00

Deposit Error at CO-OP® ATM $10.00

Deposit Empty Envelope at ATM $25.00

Direct Transfer, per payment $12.00

Duplicate SnapDeposit $10.00

Inactive Account Notice (Escheat), per notice $2.004

IMAGINE THAT! Picture Card, per card $9.9525

IRA Transfer to Another Financial Institution $25.00

Loose Coin Free for the first $5.005

Non-Wescom or Non-CO-OP ATM Withdrawal, per withdrawal $2.006

Non-Wescom or Non-CO-OP Transfer, Balance Inquiry $0.50

Notary, per signature $15.007

On-Us Check Cashing $5.008

Overdraft Transfer Fee from all other Share Accounts $5.009

Overdraft Transfer Fee from Line of Credit $5.009

Paper Statements $2.0010

Photocopy of Paid Cashiers Check, in excess of two per calendar month,

per photocopy $3.00

Processing Any Item Drawn Against Nonsufficient or Uncollected Funds,

per item (max. 4 per day) $30.0026

Processing a Foreign Collection Item, per item $30.0011

Processing an Incoming Collection Item, per item $10.00

Processing an Outgoing Collection Item, per item $10.0011

Processing Legal Documents (e.g., tax levies, judgments,

subpoenas), per item $50.00

Returned Item (Checks with the same ownership) $20.00

Returned Item at CO-OP ATM, per item $20.00

Returned Item (deposited or cashed), per item $10.00

Returned Item (invalid BillPayer account, refused by payee,

account closed), per item $10.00

Returned Item (loan payment), per item $10.00

Returned Item (mail or email) $5.00

Rolled Coin Fees:

Personal Accounts No Charge

DBA Accounts $0.10 per roll

Skip-a-Payment Fee $25.001

Statement Copy, per copy $5.0012

Stop Payment on ACH Debit, per debit $25.001

Stop Payment on BillPayer, per draft/check or range stop $25.00

Stop Payment on Loan Draft, per draft/check or range stop $25.00

Verification of Deposit $10.00

Visa® Gift Cards (at branches), per card $3.951

Wire Transfer Domestic (outgoing), per wire $25.0013

Wire Transfer Domestic or International (incoming), per wire. $10.0013

Wire Transfer Domestic or International (incoming), per wire. $10.0013